MARCIN MROCZKO LIMITED

Executive Summary

Marcin Mroczko Limited is an early-stage micro entity with minimal financial resources and no trading history. Its balance sheet and liquidity position are extremely weak, posing high credit risk. Approval of credit facilities is not recommended until the company demonstrates stable cash flow and improved financial strength over time.

MARCIN MROCZKO LIMITED - Analysis Report

Company Number: 15114186

Analysis Date: 2025-07-19 12:45 UTC

1. Credit Opinion: DECLINE
   Marcin Mroczko Limited is a newly incorporated company (since September 2023) with minimal financial history and a very limited asset base. The latest accounts show net assets of only £1 and current liabilities nearly equal to current assets, indicating no meaningful working capital cushion. There is no turnover or profit information available, and the company employs just one person (the director). Without evidence of trading performance or financial strength, the company lacks the capacity to service debt or honor commercial commitments at this stage. The absence of an audit and the very small scale further increase risk.

2. Financial Strength
   The balance sheet reflects a micro-scale entity with total net assets of £1 and cash of £1,417 balanced against current liabilities of £1,416. This indicates a break-even working capital position but no material equity or reserves. The company’s capital is limited to one share of £1 issued to the sole director, who is also the 100% shareholder. There are no fixed assets or retained earnings. This fragile balance sheet offers no buffer against financial shocks or trading losses.

3. Cash Flow Assessment
   Cash on hand is very low at £1,417, nearly matched by short-term liabilities (£1,416), leaving net current assets of only £1. This tight liquidity position means the company has almost no operational cash flow cushion to cover unforeseen expenses or delays in receivables. Without turnover or profit data, it is unclear if the company can generate positive operational cash flow. Current assets beyond cash (such as receivables or stock) are not reported, so working capital support is minimal.

4. Monitoring Points

• Trading performance and turnover growth on future accounts filings to assess revenue generation ability.
• Improvement in net assets and working capital to provide financial resilience.
• Timely filing of accounts and confirmation statements to avoid penalties or compliance issues.
• Any increase in liabilities or delayed payments to suppliers or creditors.
• Director’s ongoing financial commitment and any new equity injections.